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Car Insurance in Missoula, MT

The average cost of Montana car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Missoula, MT to find you the cheapest quotes in the area.

Quick Facts
  • The average cost of car insurance in Missoula is $152 per month, or $1824 annually.

  • Car insurance in Missoula is $13 less than the average cost of car insurance in Montana.

  • The cheapest car insurance provider in Missoula on average is Travelers, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Cheapest Car Insurance in Missoula, MT

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Insurance Provider in MissoulaQuotes
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
State Farm$43 /mo
Progressive$55 /mo
Travelers$68 /mo
Allstate$69 /mo
The General$189 /mo

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Average Car Insurance Cost

Montana Cities
Billings$81/mo
Great Falls$89/mo
Bozeman$98/mo
Butte$92/mo
Missoula$85/mo
Montana$89/mo
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Montana

All motor vehicles operated or parked on Montana roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Montana[1] are:

  • $25,000 per person for bodily injury

  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Montana is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $20,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $50,000 per accident for uninsured/underinsured motorists

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Montana, this coverage is required to be offered, but drivers can reject it if they do not want it.

Find local Missoula agents

  • Summit Insurance Agency, Inc. 

    401 S Orange St Ste C,
    Missoula, MT 59801-2525
  • Hub International Mountain States Ltd. Missoula 

    2703 Connery Way,
    Missoula, MT 59808-1951
  • Montana Central Insurance Agency, Inc. 

    1008 Burlington Ave Ste B,
    Missoula, MT 59801-5682
  • AAA Mountain West, Inc. Missoula 

    2925 Palmer St,
    Missoula, MT 59808-1658
  • PayneWest Insurance Missoula 

    2925 Palmer St,
    Missoula, MT 59806
  • Terry Payne & Co, Inc. 

    2620 Radio Way,
    Missoula, MT 59808-1305
  • Affordable Insurance

    1830 South Ave W,
    Missoula, MT 59801
  • Randy Mitchell: Auto Insurance

    1410 S Reserve St Ste 104,
    Missoula, MT 59801
  • Treasure State Insurance

    321 SW Higgins Ave,
    Missoula, MT 59803
  • Insurance Unlimite

    2200 Brooks St suite a,
    Missoula, MT 59801
View more

FAQs - Missoula, MT Car Insurance

  • How does where I live affect my car insurance rates?

    Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.

  • How can I get the cheapest car insurance in my area?

    If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

  • Who offers the cheapest car insurance in my area?

Insurify Insights

How Missoula Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Missoula, Montana below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Missoula drivers measure up to their fellow motorists across Montana in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

ford

Ford F-Series Pickup

Most Popular Car in Missoula

#2

City with the Most Speeding Tickets Rank in Montana

#2

City with the Most Moving Violations Rank in Montana

#3

City with the Most DUIs Rank in Montana

#5

City with the Most Suspended Licenses in Montana

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Missoula drivers rank 2 in the number of car accidents per driver across all cities in Montana.

    • Rank within state: #2
    • Percent of drivers in Missoula with an accident: 11.5%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Missoula drivers rank 3 in the number of DUI’s per driver across all cities in Montana.

    • Rank within state: #3
    • Percent of drivers in Missoula with a DUI: 2.4%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Montana, Missoula drivers rank 5 in the number of reckless driving offenses per driver.

    • Rank within state: #5
    • Percent of drivers in Missoula with a reckless driving offense: 2.1%
  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Montana, Missoula drivers rank 5 in rude driving infractions.

    • Rank within state: #5
    • Percent of drivers in Missoula with a reckless driving violation: 2.3%
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Montana, Missoula drivers rank 2 in the number of speeding infractions per driver.

    • Rank within state: #2
    • Percent of drivers in Missoula with a speeding ticket: 9.9%
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Missoula drivers rank 6 in clean driving records across all cities in Montana.

    • Rank within state: #6
    • Percent of drivers in Missoula with clean record: 72.9%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Missoula drivers rank 6 in hybrid and electric vehicle ownership across all cities in Montana.

    • Rank within state: #6
    • Percent of drivers in Missoula with a hybrid/electric vehicle: 0.15%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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Methodology

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Sources

  1. Montana Department of Justice. "State Minimum Car Insurance Requirements." Accessed May 28, 2022
Tanveen Vohra
Tanveen VohraEditorial Manager

Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, she helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. She received a bachelor's degree from SUNY Buffalo. You can connect with her on LinkedIn.